We're all in this together.

The well-being of our customers, colleagues and communities is our top priority. Today and in the months ahead, we're committed to helping to provide you with the support and solutions to help meet your banking needs.

Call Wait Times

You may experience long hold times if you call. Use our automated response system instead or text App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App1—it's a faster way to manage your account.

Our Branches

Some branches are temporarily closed. For those that remain open, hours in local time are Monday– to Friday, 10am– to 4pm, and in some cases, Saturday, 10am– to 1pm. Visit citibank.com/locations to check availability.

Our Commitment to You

Watch a message from Jane Fraser

Our Commitment to You

A message to our customers from Jane Fraser, President of Citi and CEO of our Global Consumer Bank.

Hello. I'm Jane, the President of Citi, and I run our consumer bank globally. And I'm reaching out to you about our response to COVID–19, an unprecedented event that is impacting the lives of every one of us. Our goal is simply to be there for you with the support you need, whether it's waiving service fees or deferring a credit card payment, or supporting small businesses, the lifeblood of our communities. Details of the various forms of assistance that may be available to you are on this site and on our app.
We know these are certainly challenging times, but it is times like these that remind us of the importance of relationships and connectivity, of humanity and kindness, and of strength and resilience. I've been amazed at the dedication and the compassion of our people, our customers, and our partners, who find ways to help our communities through this every day.
We are immensely proud of the courage, commitment and caring of our branch and customer service colleagues. They continue to serve you, our customers, while facing the same challenges that we all face: working remotely, homeschooling, or caring for loved ones. To keep them safe, over the last few weeks we have reduced branch hours and we have now enabled most of our customer service colleagues to be able to work from home. As we go through this transition, wait times to speak with our teams are unusually long. So we ask for your patience and your understanding as we strive to help every customer who needs assistance. And I really encourage you to download and use our mobile app for speedy assistance, 24/7.
Thank you for being a valued customer. It is a privilege to serve you and we are truly grateful at Citi to do so. We're in this together, and we will get through this together. Stay safe and thank you very much.

How to Request Assistance

COVID-19 Assistance

If you've been impacted by COVID-19, you may be eligible, upon request, for the following assistance measures. Please note we may add to or extend these measures in the future.

Credit Cards
Please log in to access the COVID-19 support form to find out what assistance may be available to you.

Retail Bank
Waivers on safe deposit box fees, non-Citi ATM usage fees, monthly service fees, as well as penalty waivers for early Certificate of Deposit withdrawals. Through June 30, 2020, request help by texting App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App1.

Small Business
Waivers on monthly service fees and remote deposit capture fees, as well as penalty waivers for early Certificate of Deposit withdrawals. Through June 30, 2020, request help by calling the number on the back of your debit card or recent bank statement.

Personal Loans
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am– to 10pm ET and Friday, 8:30am– to 9pmET.

Custom Credit Line and Ready Credit
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am– to 10pm ET and Friday, 8:30am– to 9pmET.

Checking Plus Line of Credit
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am– to 10pm ET and Friday, 8:30am– to pmET.

*We'll report your account as current to the credit bureaus during the waiver period, unless your account was delinquent before the waiver program began.

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Additional Assistance Programs

You may also be eligible for these additional assistance programs upon request, including:

Credit Cards
Collection forbearance program. Text App to 692-484692-484 and we'll send you a link to Message Us in the Citi Mobile App1.

Mortgages
Citi's mortgage sub-servicer Cenlar FSB is offering 90-day forbearance for Citi's mortgage loans where the borrower is experiencing hardship, during which there will be no negative reporting to the credit bureaus for up-to-date customers. In addition, foreclosures and evictions have been paused. For questions:

Call 1-855-839-6253, Monday– to Friday, 8:30am– to 8pmET and Saturday, 12pm– to 4pmET

Meet the Citi Mobile App

Meet the Citi Mobile App. The Citi Mobile App has been certified by JD Power for providing customers with an outstanding mobile credit card experience. Whether you're at home, at the coffee shop, or on the go, it's designed for you to do more than ever before, because it's completely designed around you.

See your balances and transactions. Make quick and easy payments. Check your FICO Score and more. The app's fast, simple, and secure. So you can manage your account confidently, virtually anywhere, anytime.

Meet the Citi Mobile App. The Citi Mobile App has been certified by JD Power for providing customers with an outstanding mobile credit card experience. Whether you're at home, at the coffee shop, or on the go, it's designed for you to do more than ever before, because it's completely designed around you.
See your balances and transactions. Make quick and easy payments. Check your FICO Score and more. The app's fast, simple, and secure. So you can manage your account confidently, virtually anywhere, anytime.
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Best Ways to Contact Us

We also have information and teams to help with your business banking, home buying and refinancing needs.

Retail Business Banking Customers
Reach out to your Retail Business Banker or the CitiBusiness Service Center at 1-877-528-0990 (TDD/TTY1-800-788-0002). Hours of operation are: Monday– to Friday, 7am– to 11pmET, and Saturday and Sunday, 9am– to 5:30pmET.

Mortgage Customers
For new mortgage applications or if you have a mortgage application in process, please contact your Home Loan Officer or Mortgage Representative directly or by calling us at 1-800-MORTGAGE (1-800-667-8424). For questions regarding an existing mortgage, you can call our service provider, Cenlar FSB, at 1-855-839-6253.

Branch & ATM Availability

Open Branch Hours
To help keep everyone safe while still providing all your banking needs, we've temporarily adjusted branch hours and closed some locations. Visit citibank.com/locations to find the nearest one. Open branches in local time are:

Monday– to Friday, 10am– to 4pm
In some cases, Saturday, 10am– to 1pm.

Changes in Branch Practices

Use of stronger disinfectant products on high-touch surfaces

Hand sanitizer readily available

Social distancing in effect

Branch teams are educated on CDC best practices

Fee-free cash access
For your convenience, you have fee-free access to cash with your Citibank debit card at over 65,000 ATM locations nationwide, including ATMs at Target, Costco, Walgreens, CVS and Duane Reade. Keep in mind, ATMs at Citibank branches are available 24/7.

Please note Citigold lounges may be temporarily closed to protect the health and safety of our clients and employees.

We Are Here to Help

Our Response to COVID-19

We're addressing the current situation by helping clients and providing funds to organizations that are helping frontline healthcare workers, No Kid Hungry and more.

Manage Your Investment Needs with Citi Personal Wealth Management

Our experienced teams can help provide guidance for your investment needs during this volatile time. To better understand the impact of COVID-19 on markets, catch up on the latest market information with recent market insights, replays of live webcasts, market reactions and monthly market snapshots. Staying up to date on domestic and global perspectives today will help you feel more confident in your future investing.

U.S. Wealth Management Customers

Reach out to your Citi Personal Wealth Management Financial Advisor for your investment needs, such as execution of trades, investment account inquiries and access to investment funds or securities. You can also call our Investment Client Services Telephone Number: 1-800-846-5200 (TDD/TTY: 1-800-788-6775) Monday– to Friday, 8am– to 9pmET and Saturday, 9am– to 7pmET. For any banking needs, please contact your Citigold Relationship Manager or call the number on the back of your card.

Due to postal delays, please don't send any hard copy mail addressed to your advisor or your branch for the time being, including any correspondence, forms, checks or securities. Please contact your advisor to discuss alternative ways, including electronic methods, for sending any such correspondence or materials to us. If you must send mail during this time, please use the address below and allow additional time for processing. Be sure to list your account number clearly on any documents or checks.

Investments Customers with an Address Outside the United States

Due to COVID-19, the U.S. Postal Service announced service disruptions for international mail. If you have an international mailing address, you may experience delays receiving physical mail from us, such as brokerage statements, trade confirmations, prospectuses and other important account notices.

To ensure you receive important communications from Citi Personal Wealth Management (CPWM) in a timely manner, you can get your communications sent digitally. Just log in to your CPWM account and click Go paperless in the upper right corner to get more information and sign up. For more information, please contact your Financial Advisor directly or call 1-210-677-3782 (TTY1-800-945-0258)—you may experience long wait times.

Insurance or Annuities Issued in the State of New York

If you own life insurance or annuities issued in the State of New York, these recent developments may affect your rights as a policy owner. A recent Executive Order issued by New York Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services (NYDFS), extends grace periods and gives you other rights under your life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the COVID-19 pandemic.

These temporary grace periods and rights are currently in effect, and could be extended further. Check the NYDFS website for updates.

Protecting Your Account

Fraudsters try to take advantage of uncertain times like these. Security tools like Citi's Fraud Early Warning can help protect your account, but it's important to be extra vigilant about:

If you think you've been a victim of fraud, please contact us immediately. Learn more about how you can protect yourself against COVID-19 scams at citi.com/security.

Frequently Asked Questions

What do I do if I need assistance with payments due to COVID-19?

As the situation surrounding COVID-19 continues to develop, we're focused on providing the support and solutions our customers may need. We know many have been affected in different ways and we have account assistance that we are able to offer.

I've been affected by COVID-19, can I request a lower APR or lower the interest that I am charged?

The Prime Rate published by the Wall Street Journal changed to 3.25% (previously 4.25%), effective March 16, 2020. If you have a variable rate, you will notice a decrease in the amount of monthly interest charged based on that decrease. If you have a Citi card, you can review your APR anytime on the Account Details page under Rates or in the Citi Mobile app in the Accounts tab under View Credit Limit, APR & more.

How do I dispute a charge on my credit card that is related to travel plans or cancellations due to COVID-19?

To dispute a charge on your credit card account, visit the Account Details page for a list of your transactions. Next to the charge you want to dispute, select the down arrow and click the "Dispute Charge" button.

To manage a dispute that you have previously submitted for a purchase you made on your credit card account, please visit the Dispute Center at any time. You can also view opened or closed cases and cancel any existing dispute you see there.

With regard to changes or cancellations to travel reservations, we recommend contacting your airline, hotel or other travel supplier to resolve. If you purchased trip insurance independently, you'll also want to contact that supplier for additional details.

If you see an unauthorized transaction on your Citi account, please call us immediately at 1-888-248-4226; Text Telephone (TTY): 1-800-945-0258. A representative will help process your claim.

If you'd like to dispute a charge on your debit card, please visit the Contact Us page for options to chat with us or call us.

What if I have upcoming travel booked through ThankYou.com?

Most major airlines have waived travel fees for a period of time; however, please check your airline's website for the most up-to-date information and options available for your flight. If your reservation doesn't have a current waiver, or travel is outside of the next 3 to 5 days, we recommend you contact us closer to your travel date. Due to a high volume of calls, you may experience a longer than normal wait time.

What measures are you taking in branches to protect your colleagues and customers?

The health and safety of our colleagues, our customers and the communities we serve are our top priority and we've taken a number of precautionary measures, including:

Ensuring hand sanitizer and disinfectant wipes are readily available

Inserting spacing indicators within teller lines and other queues to facilitate appropriate social distancing

Clear and frequent communication with our branch staff to follow everyday preventative actions recommended by the Centers for Disease Control

Are your branches still open?

We continue to serve our customers during this challenging time. In order to help reduce the spread of COVID-19 while balancing the need to serve you, we've temporarily adjusted hours and temporarily closed some locations. Please visit citibank.com/locations to stay up to date on branches.

Will branches have reduced hours?

During this time, please note our branch hours will be Monday– to Friday from 10am to 4pm, and for some branches, Saturday from 10am to 1pm. The ATMs at Citibank branches will still be available 24/7.

Will I still have access to ATMs?

Yes. Please visit citibank.com/locations to stay up to date on branch and ATM locations near you. For your convenience, you have fee-free access to cash with your Citibank debit card at over 65,000 ATM locations nationwide, including ATMs at Target, Costco, Walgreens, CVS and Duane Reade. Keep in mind, ATMs at Citibank branches are available 24/7.

How can I find out if ATMs or Citibank branches are available?

You can visit citibank.com/locations to stay up to date on branch and ATM locations near you. For your convenience, you have fee-free access to cash with your Citibank debit card at over 65,000 ATM locations nationwide, including ATMs at Target, Costco, Walgreens, CVS and Duane Reade. Keep in mind, ATMs at Citibank branches are available 24/7 and we're available to serve you 24/7 online and through the Citi Mobile App.

Will I have access to my safe deposit box?

Yes, you'll have access to your Safe Deposit Box. If your branch is closed, you may set up an appointment by calling a nearby branch to access your Safe Deposit Box.

Will I be able to perform transactions in a branch that I cannot complete at an ATM or drive-up?

You may continue to conduct your transactions in our branches. You may also use ATMs, Citi online and the Citi Mobile App to easily complete many transactions.

How will you help customers with special needs at your branches that are open?

We're committed to serving all our clients. Our branches remain prepared to support individuals with special needs.

Will you continue to offer Small Business customers access to cash requests and night drops (where available)?

We'll continue to service Small Business customers as we do today at our open branch locations.

I received a call or text from someone claiming to represent Citi related to the COVID-19 situation and asking for my personal information. Is this legitimate?

Unfortunately, fraudsters may try to take advantage of uncertain times like these. While Citi's Fraud Early Warning helps protect your account, it's important to be extra vigilant if you receive emails, texts or phone calls about suspicious products, charities, medical advice and treatments, etc. We recommend you look into these types of communications carefully before responding and be especially careful of fraudulent links that make it easy to access your device or personal information. Learn more about account security at citi.com/security.

For additional information about COVID-19, get the latest report from the Centers for Disease Control at cdc.gov or your local health department website.

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Terms & Conditions:

Citibank, N.A. (Member of FDIC) customers can get cash, get information, and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank ATM or Debit Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with fee free access.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. ("CGMI"), member SIPC. Citigroup Life Agency LLC ("CLA") offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

Help & Support

Citi Mobile® App

Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States.

Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your eligibility for a particular product and service is subject to a final determination by Citibank. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.

The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages.

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Citi is not responsible for the products, services or facilities provided and/or owned by other companies.

Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.